Empower Your Mortgage Journey
Welcome to United Home Mortgage. Here, we believe that understanding your mortgage options is key to making informed decisions. Our blog offers valuable insights to navigate the world of home purchasing and property investments, ensuring you find the right financial path tailored to your needs.
VA Loan Myths Debunked: Setting the Record Straight for Colorado Springs Veterans
“Think VA loans are too complicated or restrictive? Let’s clear the air on common misconceptions and show why a VA loan might be your best bet.”
VA Loans: A Hedge Against Rising Mortgage Costs for Colorado Springs Veterans
“VA rates may be rising—but the VA loan benefit still packs a punch. Here’s how veterans and military families in Colorado Springs can win in today’s market.”
2025 Mortgage Forecast: Where Rates Are Headed and What Colorado Springs Homebuyers Need to Know
“Wondering if 2025 is the year to buy or refinance? Here’s your crystal ball view into mortgage rates and how to make smart moves in Colorado Springs.”
House Hacking in Colorado Springs: Leveraging FHA, VA, and Conventional Loans for First-Time Investors
“Want to own property and live rent-free? Learn how Colorado Springs investors use FHA, VA, and Conventional loans to house hack their way into financial freedom.”
VA Home Loans 101: The Ultimate Guide for Military Families and Veterans
Discover everything you need to know about VA home loans in this comprehensive guide for military families and veterans living in Colorado Springs. Whether you’re stationed at Ft. Carson, Peterson AFB, Schriever SFB, or the Air Force Academy, this article breaks down how VA loans work, why they’re one of the best mortgage options available, and how to start using your VA entitlement to buy a home with zero down.
Refinancing During a 2-1 or 3-2-1 Buydown: Separating Myths from Mortgage Facts
Think you can’t refinance during a 2-1 or 3-2-1 buydown? Think again. In this eye-opening article, we debunk common myths, explain how buydowns work, and reveal how unused buydown funds can actually help you save even more when refinancing. Perfect for veterans, first-time buyers, and anyone navigating today’s interest rate market.
Frequently Asked Questions
Your Questions Answered about Mortgages and Home Buying
A mortgage is a loan used to purchase a home. In return, the lender holds a lien on the property until the loan is paid off. Understanding how mortgages work can help you make informed decisions during your home-buying journey.
There are several types of mortgages available, including fixed-rate, adjustable-rate, and interest-only mortgages. Each has its own benefits and considerations, and it’s important to choose the one that aligns with your financial needs and long-term goals.
Qualifying for a mortgage typically involves meeting certain criteria, such as demonstrating a stable income, a good credit score, and a manageable level of debt. Each lender may have different requirements, so it’s important to be prepared before applying.
Closing costs are fees associated with finalizing a mortgage agreement, such as origination fees, appraisal fees, and title insurance. These costs can vary, so it’s advisable to budget for them in addition to your down payment.
Getting pre-approved for a mortgage before you start house hunting can help you understand your budget and strengthen your position as a buyer. It shows sellers you are a serious contender, which can help in competitive markets.
What Our Clients Say
Hear from those we've helped on their mortgage journey.
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